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    • letters deemed to be delivered 2 days after posting so sols are just time wasting to keep the taximeter ticking over. all you need to do si send them a copy and say it was sent by 1st class post to such and such address ( reg office presumably)
    • It is the usual rubbish.   It is cunningly designed to frighten you because it uses some words designed to provoke an emotional response such as Bankruptcy, charging, Warrant etc.   If you read it carefully it can be summed up as follows:   1. You were wise enough not to engage with us before and we are a bit pissed about that.   2. Because we are pissed but can do nothing else we are trying to frighten you with all the things someone else COULD (but probably wouldn't) do with keywords. Only our client and his solicitor could if they had a case.   3. More keywords because we are still pissed you have not engaged with us.   4. We have advised our client (though we probably haven't) to refer to solicitors for legal action because 1). we have failed to scare or engage you and 2). we have no power to take legal action ourselves, only solicitors engaged by our clients could do that.   5. We want to help you (for which read we want to help ourselves) and please look at the list of other people who can help you because a). we may be legally obliged to refer you to third party help and b). some of those guys will advise you to engage with us rather than put us to strict proof.   This letter should be filed along with it's envelope.  No need to respond in any way or have any anxiety about this one.
    • you get the council involved then as the noise is nuisance. You will need to keep a diary but whislt you are on to the council you ask them to see if they cna inspect the property as you belive that the works being doen come under building control and possibly breaching the London Fire Acts ( or similar for most cities) hopefully tey will send someone round and then tell you if they are happy or not with what they have seen. That will help you decide how you want to play things
    • Right, FOI requests cant be made to non governmental organisations and the charges wont be ILLEGAL so your mortgage co will read what you have written in such a way as to think tht you dotn know what you are on about and then try and blather or stall things whilst still rokking yu for every penny they can. now commercial mortgage so terms will be vastly different to home purchase and fees are part and parcel fo that game as a court will decide that you knew waht you were letting yourself into. That means you have to come up with somehting more than just pouring out your feelings for us to be able to offer some solid advice   so, sight of morgtage terms, statements of account, why they have got solicitors involved ( arrears?) what was the original interest and was that variable and if so on what basis?   we need to knwo an awful lost abotu how things have got to where they are and we also need to see the numbers so we can at least try an spot anything obvious
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Safeloans - Successful Set asside

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I raised a complaint with safeloans

- directly with them

- re irrisponsible lending


- I only had one loan with them way back in 2012

- but defaulted

- didnt respond to their letters and eventually got a ccj


- but after writing an email complaint to them which was responded to very quickly

and they agreed to get the ccj set aside


- I have spoken to northampton bulk centre who have confirmed this

- yipeee!!!

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yep just like that - I can't believe how easy it was to get them to agree to my complaint and request for removal of the ccj - It was only confirmed on the 9th feb so have to wait 28 days for its removal from my credit files - confirmed over the phone this morning with the bulk centre

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For anyone else out there who took out a PDL with Safeloans and had a ccj through them


- it may also be worthwhile you pursuing the same course of action with them


- the reson why

- this is a statement in their reply to my complaint -


"Since the time in question we have migrated twice out of previous Customer Relationship Management systems to our current operating system.


We have also moved offices in February 2013


and we have since closed our lending business on the 01.05.2015.


Therefore we do not have all the data available on historic settled accounts".

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cheers fkofilee - hopefully my credit score will go up - although I wont bother about using experian for it!!!

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Neil, Do you remember what you wrote in the email ?


of if possible could you copy and paste here,


as I am in a very similar situation and I just found your post.


also what email address did you use ?

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Hi the email address I used was info@sllcapitaluk.com



To whom it may concern,


My Safeloans ref = XXXXXX


The complaint read as follows;




I am writing to complain about a loan provided by Safeloans which was defaulted by me and subsequently a CCJ issued in August 2012.


My complaint is that should Safeloans Ltd have carried out affordability checks and even basic credit reference checks that this loan would not or should not have been approved. As at the time the loan was provided it would have been clear on any credit reference check that I had previously taken out payday loans with various lenders, was currently in debt with other payday lenders and any credit reference check would have also shown defaults with other lenders. All the information available on my credit file would have shown that I was reliant on payday lenders and therefore a risk.


Therefore the loan should not have been provided and as such if it had not been provided then I would not have placed myself in a situation where a ccj could be raised against me.


I hereby request that you remove all references to any loan, default or ccj for Safeloans Ltd from my credit files.


I understand that you are entitled to 8wee

To whom it may concern,


My Safeloans ref = 8wks or 56 days to respond to my complaint, but I do ask that you respond sooner so as not to lengthen the time to resolution.


Many thanks

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Thank you for that Neil,

I have just had a reply from them, and they are going to investigate my case, how long did you wait between sending the initial email and hearing their decision ?


I have also used your template letter for a couple of other payday loans,


I will keep you posted,

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